If FICOM is worried about consumer protection and disclosure why don't they require the Big Six banks to disclose their fixed-rate mortgage penalties more adequately? That seems like much lower hanging fruit from my desk.

I want to know the commission my car salesman makes on each car he recommends. I want to know how much my Doctor makes per visit. I want to know how much my travel agent makes. Lastly, I want to know the salaries of the people at FICOM who are proposing this.